Mr. McNulty:I would hope not, given that we are about to bring in a child poverty Bill to address all that we want to do in that regard. I take the point about getting the people at the top signed up to this cultural change and focus, and like in any organisation, the difficulty is how much that permeates down. This will be nothing short of a personalisation revolution—that trips off the tongue very lightly—focused on the individual. It is not just about tinkering with the culture at ground level; it is about fundamentally transforming the relationship between the individual, the adviser and the system. The fact the measures are so root and branch means that they will permeate down because they have to for the thing to work. However, I accept your concerns.

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